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Previously, to determine if a desc is watchonly, `ToPrivateString()`, was used. It returns `false` if there is at least one pubkey in the descriptor for which the provider does not have a private key. ToPrivateString() behaviour will change in the following commits to only return `false` if no priv keys could be found for the pub keys in the descriptor. HavePrivateKeys() is added here to replace the use of ToPrivateString() for determining if a descriptor is 'watchonly'. Co-authored-by: rkrux <rkrux.connect@gmail.com>